Your card is an e-money prepaid card. This is not a credit or debit card.

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1 CARDHOLDER TERMS AND CONDITIONS - January 2018 INTRODUCTION This agreement applies to your Mastercard card. Your card is an e-money prepaid card. This is not a credit or debit card. All payments on your card will be in pounds sterling ( ). Your card is not connected to any bank account and you will not earn interest on the balance on your card. Your card is issued to you for use by you only. We reserve the right to cancel your card if we find another person has used your card, with your consent. We may require to undertake Identity Verification, Sanction and card program eligibility checks (as required under the Money Laundering Regulations) at any time during the term of this agreement or as part of the card funds redemption process (see Redeeming your Card Balance). If we are unable to verify your identity, if you appear on any of the sanction lists or if we find that you are not eligible to be in receipt of the card under the rules of the card program, we will cancel your card and we may have to take further action, as required by law. We will inform you of our intent to cancel your card, if lawful to do so. When we perform electronic identification checks, personal information provided by you may be disclosed to a registered Credit Reference Agency who may keep a record of that information. A credit check is not performed and your credit rating will not be affected. Unless unlawful, cancelling your card because of any of the above reasons will not affect your right to redeem the remaining balance on your card (see Redeeming your Card Balance). By activating and/or using your card, you accept these Terms and Conditions. You should therefore read this agreement carefully. If there is anything you do not understand, or do not agree with, please Contact Us. You can view a copy of this agreement on the website; see the reverse of your card or the information provided with your card. Alternatively, you can request a copy by or post, free of charge. We advise you to print a copy of this agreement once you have read it, for your records, and to do so again each time you are advised changes have been made to the Card Terms and Conditions (see Changes to Terms and Conditions). These Terms and Conditions stay in force until the final card issued under this agreement expires, unless otherwise advised by us. Regardless of who provided you with this card, this agreement is between you and Blackhawk Network (UK) Ltd (see Regulation and Protection).

2 Throughout these Terms and Conditions, the card programme manager (Grass Roots Group Holdings Ltd.) and the e-money issuer (Blackhawk Network (UK) Ltd.) are referred to as "we", "us", "our" or "ourselves". You agree that these Terms and Conditions and any communications between us shall be in English. USING YOUR CARD You can use your card at those retailers listed on the website. We reserve the right to add or remove retailers from this list, as notified on the website. Removing retailers is not regarded as a change in these Terms and Conditions; such changes are out of our control. There are no usage limits applied to your card. It is your responsibility to ensure that the balance on your card is greater than or is equal to the value of the purchase you are intending to make. To check your balance Contact Us by phone. If you wish to use your card in store for a purchase which, including any applicable fees, is greater in value than the balance on your card, you must tell the retailer to charge only up to the available balance on your card and that you will pay the difference by other means (such as another card / cash). It is at the retailer's discretion to allow part payments. We and the retailer will treat any transaction as genuine and made by you when: Your card has been used in store, especially when your signature was confirmed on the receipt; If available on your card, you have used the contactless payment facility on your card for payment in store; Your card security details, only known to you, where used when paying with your card online or over the phone. Any transaction will be noted against your balance immediately but may remain in pending status until the retailer settles the payment. During the time that a payment is pending you cannot use these funds. It is up to the retailer how long funds are kept in pending status. Any fees (see Fees and Charges) will be taken from your card balance when they become payable. You will not be charged a card usage fee for domestic transactions. You cannot stop any transactions once made. However, any transaction that is agreed by a retailer to take place on a future date (after the date you authorise the transaction) may be withdrawn. To withdraw a transaction, you need to give the retailer at least one (1) full business day notice of your intent, providing a copy of this notice to us. We may charge you the Administration Fee for this (see Fees and Charges). If your available balance is not enough to cover the amount of the transaction plus any applicable fees (see Fees and Charges), the payment transaction will be declined; unless:

3 Some retailers require you to pre-authorise a payment before the value of the final bill is known. For example, restaurants or hotels may ring-fence a balance greater than the expected final bill on your card and then settle the actual final bill later, without checking the balance available at that time again. Once the retailer has ring-fenced the expected bill balance, these funds will not be available for you to use until the final bill is settled. If the final bill is less than the expected bill, it may take up to fifteen (15) days for the difference to be added back to your card. The retailer determines the length that any ring-fenced balance is kept after the final bill is settled. If the final bill is larger than the pre-authorised amount, this may result in your card going into negative balance. Certain retailer websites will also send pre-authorisation request to check if there are suffice funds available on your card to cover the value of your order, even when this order is not finalised yet or when you have not proceeded to checkout. Here too the retailer may not check the available balance before settling the final payment, resulting in funds either remaining in a ring-fenced status or resulting in your card going into negative balance. We may refuse to execute a transaction: If we reasonably suspect that your card is being used in an unauthorised, fraudulent, or grossly negligent manner; Or if we believe that an attempted or intended transaction would be unlawful. If we refuse to authorise a transaction we will give you the reason for the refusal, if practicable (unless it would be unlawful for us to do so). If you do not use your card for a period of six (6) consecutive months we may start charging you monthly the Dormancy Fee (see Fees and Charges). If applied, this fee will be charged until you use your card again, the balance on your card reaches zero (0), or until your card expires; whichever comes first. As your card is a prepaid card, if it goes into negative balance we will notify you and require you to repay the balance in the time and manner requested. We reserve the right to take all steps necessary, including legal action, to recover the outstanding funds. We may charge you an Administration Fee for each transaction completed or attempted while your card has a negative balance (see Fees and Charges). CARD USAGE RESTRICTIONS Your card cannot be used obtain cashback from a retailer. Under any circumstance, your card may not be used for: Purchasing illegal goods or services; Illegal, criminal or terrorist activity. If you use your card for any of these purposes, we reserve the right to cancel your card, and we are required to report you to the relevant authorities.

4 If you are under the age of eighteen (18) and we are made aware, we will apply further restrictions to the usage of your card. These restrictions will prevent you from purchasing goods or services that are prohibited for persons under the age of eighteen (18). Such restrictions will automatically be removed from your card as soon as you turn eighteen (18). EXPIRY AND CANCELLATION OF YOUR CARD You will not be able to use your card once it has expired, and you have the right to redeem any balance remaining (see Redeeming Your Card Balance). If there are any transactions or charges still outstanding at point of expiry, these will be taken from the balance on your card post-expiry. You have the right to cancel your card, free of charge, for fourteen (14) days after you receive it. This will not entitle you to a refund of any transactions and charges incurred by you before cancellation. If you cancel your card after fourteen (14) days from receipt, you will be subject to the Cancellation Fee (see Fees and Charges). To cancel your card, Contact Us. We may, suspend, restrict or cancel your card or refuse to issue or replace a card, if: We are concerned about the security of your card; We reasonably suspect that your card is being used in an unauthorised, fraudulent or grossly negligent manner; You break important terms of this agreement, or repeatedly break any term in this agreement; and - following notice - fail to resolve the matter in a timely manner; You act in a manner that is threatening or abusive to our staff, or any of our representatives; You fail to pay fees or charges that you have incurred; or fail to put right any negative balance that you have been notified about; We are required to do so to comply with law. In the event that we suspend, restrict, cancel or refuse to issue or replace your card, we will tell you as soon as practicable and permitted by law. If the matter resulting in such action has been resolved, we will issue you a replacement card (charges may apply; see Fees and Charges). If you or we cancel your card, we shall immediately block the card so that it cannot be used. If there are any transactions or charges still outstanding at that point, these will be taken from the available balance on your card post-cancellation. In the event that your final card expired, we cancel your card or refuse to issue you a new card, this agreement terminates immediately. If there is still a balance remaining on your card twelve (12) months after this agreement has terminated, we may start charging you monthly the Administration Fee (see Fees and Charges). If so, this charge will be applied until you redeem the remaining balance on your card (see Redeeming Your Card Balance) or until the balance on your card reaches zero (0).

5 REDEEMING YOUR CARD BALANCE You may redeem any available balance on your card within 6 years after this agreement has ended (see Expiry and Cancellation of Your Card), fees may apply. After this date, you are no longer entitled to these funds. If there are any transactions or charges still outstanding after you redeemed the balance on your card, we reserve the right to claim these back from you in the same way as if your card got into a negative balance. The Redemption Fee (see Fees and Charges), shall not apply where funds are requested to be redeemed: Prior to any changes in these Terms and Conditions taking effect; Within the first twelve (12) months after the date that this agreement ended. We can only transfer your available card balance into a bank account; subject to the satisfactory completion of the required money laundering, fraud and identification checks (of which you will be informed at the time). The requested balance will be returned to you without undue delay, in the currency of your card and minus any charges due (see Fees and Charges). LOST OR STOLEN CARDS AND UNAUTHORISED OR DISPUTED TRANSACTIONS If you report your card lost or stolen or report any transactions that are not authorised by you or which are wrongly executed, we will refund without undue delay and issue you a replacement card if required (charges may apply; see Fees and Charges). You will be liable for any transactions up to the time you report the loss, theft or disputed transaction, up to 35. We will deduct your liability from the value to be refunded to your card. If we however have reasonable grounds to suspect that you or someone with your consent has acted fraudulently or with gross neglect, we may withhold refunding any unauthorised or disputed transactions until a full investigation has been completed. If you notify us thirteen (13) months or later after the date of any disputed or wrongfully executed transactions appearing on your account, we may not be able to assist you. Therefore, it is important that you Contact Us as soon as possible. Any erroneous deductions from / credits made to your card balance by us will be corrected no later than one (1) business day after we have become aware. If we find that the disputed transaction was indeed authorised by you or by someone with your consent, you will be fully liable for any loss we suffer because of the use of the card. You will also be fully liable if we find that you have acted fraudulently or with gross negligence (for example by failing to keep your card and/or PIN secure or by failing to notify us without undue delay on becoming aware of the loss, theft or unauthorised use of your card). You will also be liable for any refunds you may have already received. We will also charge you the Investigation Fee for each disputed transaction that was not upheld, capped at 50 (see Fees and Charges). If reversing a refund, collecting all losses we suffered and applying the Investigation Fee charges would result in a negative balance on your card, we reserve the right to recover these funds by any means necessary, including legal action, if required. We may subsequently also cancel your card, see Expiry and Cancellation of Your Card; your right to redeem any available balance will not be affected (see Redeeming Your Card Balance).

6 Where necessary, and pursuant to the terms of this Agreement, we reserve the right to investigate any transactions at any time, and to charge you for any reasonable costs that we incur in taking action to stop you using your card, other than in accordance with this Agreement, and to recover any monies owed as a result of such activity. You may be entitled to a refund for a pre-authorised transaction when the retailer did not specify the exact amount at the time of its authorisation, or during the four (4) weeks prior, and the amount charged by a retailer is more than you could reasonably have expected. In this case, however you are only able to claim a refund within eight (8) weeks immediately after the transaction appeared on your account. We advise you first to try to settle this with the retailer directly. If you are unable to do so, we can mediate on your behalf but will not be able to refund you until we receive a refund verification acceptable to us from the retailer. We are not responsible for the quality, safety, legality, non-delivery or any other aspect of any goods or services purchased using your card. If you have any disputes about the goods or services purchased with your card, you should settle these with the retailer. You may ask us to mediate on your behalf, but we are not required to do so. If we do and subsequently find that the goods or services where provided to you and/or the retailer has the right not honour your request for a refund, we reserve the right to charge you the Investigation Fee (see Fees and Charges). OUR MUTUAL OBLIGATIONS AND LIABILITY You must treat your card like cash. If it is lost or stolen, you may lose some or all of your money on your card, in the same way as if you lost cash in your wallet or purse. As a result, you must keep your card safe and not let anyone else use it. You must tell us immediately if: You know your card is lost or stolen; You think a transaction is unauthorised (i.e. you do not recognise the transaction or the transaction was not made by you) or you think that a transaction has been incorrectly executed; We will not be liable to you for any direct or indirect losses you suffer due to: Anything beyond our reasonable control; Any malfunction of your card, where this is not within our reasonable control; The use of your card in breach of these Terms and Conditions, including but not limited to your obligation to keep your card and PIN secure at all times; Any retailer refusing or being unable to accept your card; Any of the goods or services purchased with your card; Not reporting your card lost or stolen immediately; Not reporting any unauthorised or wrongly executed transactions immediately; Our compliance with applicable laws. Unless otherwise agreed with us in advance, any liability we may have to you will be limited to the actual amount of any loss or damage you incur or suffer. For the avoidance of doubt:

7 Where the card is faulty, due to matters under our reasonable control, our liability shall be limited to replacing your card and transferring the funds remaining to your new card; Where we have incorrectly deducted from or credited funds to your card account, our liability shall be limited to rectifying the incorrect deduction or credit only. We shall not be bound to recognise the interest or claim of any person other than you in respect of the balance on your card, nor shall we be liable in any way for failing to recognise such interest or claim (except as required by law). Nothing in these Terms and Conditions will limit our liability for any loss that we are expressly prevented from excluding by law. FEES AND CHARGES We do not charge any fees for the delivery of your card and for the use of your card. All fees and charges are deducted, unless otherwise stated, from the balance on your card. CHARGE Cancellation Fee Redemption Fee Replacement Card Fee Dormancy Fee Administration Fee FEE 2.00, if not cancelled within fourteen (14) days upon receipt of your card. If there are not sufficient funds on the card to charge this fee, we will cancel your card and there will be no balance to redeem If there are not sufficient funds on the card to charge this fee, we will cancel your card and there will be no balance to redeem , unless otherwise advised by us at the time. If there is not sufficient balance on the card to charge this fee, we may not be able to issue you a replacement card; unless you wish to pay by other means. This fee does not apply when the card was found faulty outside your control per month, charged until the card is being used again, the card balance reaches zero (0) or until expiry of your card. 2.00, unless otherwise advised by us at the time, charged: Monthly, when you have not redeemed the balance remaining on your card within the first twelve (12) months after this agreement ended. This fee is charged until the balance on your card reaches zero (0) or until you redeem the remaining balance; Each time you instruct a retailer or us to voluntarily revoke a previous authorised transaction, at least one (1) full business day before the transaction was due to take place;

8 Investigation Fee Copy of Personal Information When a transaction you make results in a negative balance on your card and each time thereafter that you try to use your card for each disputed transaction that we have investigated and which was found to be authorised by you or someone with your consent. The maximum Investigation Fee that you will be charged is charged for each request we receive. If there are not sufficient funds on the card to charge this fee, we will provide this information and reduce the balance on your card to zero (0); unless you wish to pay by other means. This may result in us having to cancel your card. CHANGES TO TERMS AND CONDITIONS We reserve the right to change any of the Terms and Conditions in this agreement (including changing existing charges or introducing new charges) by notifying you by , via the website and/or by any other reasonable means at least two (2) months before the change is due to take effect (unless we are required by law to amend this agreement immediately or more quickly). Any e- mail to you will be treated as being received as soon as we, using the details you have most recently provided, send it. The current versions of these Terms and Conditions are available on the website. To request a copy of the current or past card terms, by or post, Contact Us. We advise you to print a copy of this agreement once you have read it, for your records, and to do so again each time you are advised changes have been made to the Card Terms and Conditions (see Changes to Terms and Conditions). You will be deemed to have accepted all of the notified change(s) unless you tell us otherwise before the change(s) take effect. If you do not accept our change(s), we will cancel your card and thus terminate this agreement immediately. Your right to redeem any available card balance is not affected (see Redeeming your card balance). CONTACT US You can contact us on the details provided below, which are also printed on the back of your card. Telephone info@cardholdersvs.com * (+44 (0) if you are phoning from abroad) Our customer service agents are available from 9AM to 6PM Monday to Friday, excluding public holidays. You can report your card lost or stolen on this number at any time.

9 By Post Card Services, PO Box 61, Tring, Hertfordshire, HP23 5QZ, United Kingdom * Calls to this number are charged at the same rate as 01 or 02 numbers on mobile phone tariffs COMPLAINTS PROCEDURE If you have a complaint about your card or the services we provide, please Contact Us in the first instance so that we can try to resolve it. All complaints will be dealt with as quickly and fairly as possible in accordance with our Complaints Procedure. A copy of this procedure is available on the website or you can request a copy from us by (see Contact Us). Following our Complaints Procedure does not affect your legal rights. In the unlikely event that we cannot resolve your complaint to your satisfaction, you may contact The Financial Ombudsman Service (FOS): Telephone By Post complaint.info@financial-ombudsman.org.uk * (or if you are phoning from abroad) The Financial Ombudsman Services, Exchange Tower, London, E14 9SR, United Kingdom * Calls to this number are charged at the same rate as 01 or 02 numbers on mobile phone tariffs More information about the FOS can be found at REGULATORS AND CUSTOMER PROTECTION The balance loaded onto your card is classified as electronic money. This means that the electronic money issuer, Blackhawk Network (UK) Ltd, holds the funds associated with your card. Blackhawk Network (UK) Ltd. (whose registered office is 40 Bernard Street, London, WC1N 1LE (company registration number: )) is authorised and regulated Financial Conduct Authority as an Electronic Money Institution (Registration Number ); under the E-Money Regulations Grass Roots Group Holdings Ltd. (whose registered office is at Pennyroyal Court, Station Road, Tring, Hertfordshire, HP23 5QY (company registration number: )) is the entity that has requested that a card is issued to you, on behalf of the party who provided you with this card, and is responsible for providing all the services associated with your card, including but not limited to providing customer service and managing any disputed transactions on your behalf. Blackhawk

10 Network Inc., who also owns Blackhawk Network (UK) Ltd, ultimately owns Grass Roots Group Holdings Ltd. The funds held by Blackhawk Network (UK) Ltd. are kept in an account created for safeguarding. This means that in the extremely unlikely event that Blackhawk Network (UK) Ltd would become insolvent, the balance on your card is protected. GENERAL PROVISIONS You may not assign any or all of your rights or obligations under these Terms and Conditions but we may do so at any time on giving you two (2) months prior notice. Your rights will not be affected and you have the right to cancel this agreement (see under Changes to the Terms and Conditions). Each of the Terms included in this document are separate from all other Terms, so if one Term is found to be void or otherwise unenforceable it will not affect the validity of any of the others. If we do not enforce any of the rights we have under this agreement, or if we delay in enforcing them, that does not prevent us from taking any action to enforce our rights in the future. Upon termination of this agreement, the Terms and Conditions that can continue to apply will do so. A person who is not a party to this agreement may not enforce any of its terms under the Contracts (Rights of Third Parties) Act The laws of England and Wales govern these Terms and Conditions. The courts of England and Wales will have exclusive jurisdiction to deal with any dispute arising in connection with these Terms and Conditions, subject to a referral to the Financial Ombudsman Service (see Complaints Procedure).